In a 33 by 23 by 5 inch pan; layer refried beans and browned grnd beef (optional).,Layer lowfat sour cream, guacamole dip, and salsa together.,Add in green onions and sprinkle taco seasoning.,Slice Velveeta or possibly cheddar cheese and layer.,Sprinkle top of cheese with chilies, jalapenos, and black olives.,Bake in 350 degree oven for 10 to 20 min or possibly till cheese is melted.,Use as a dip with tortilla chips or possibly fritos.,______,You can serve this on CHRISTmas Eve, New Years Eve, or possibly your CHRISTmas Party.,Pe